Business Credit Card
Business banking for every business
NatWest's Business Credit Card is designed for start ups and businesses with turnover up to £250k. It is simple, secure and flexible to make sure your day-to-day business runs as smoothly as possible.
By taking advantage of our Business Credit Card we can help you:
Improve your cashflow - with an interest-free period of up to 45 days on purchases
Save time - by separating business from personal expenditure
Save money - because it is cheaper than traditional cheque transactions
Keep things flexible - by carrying your balance over from one month to the next with a minimum payment of £5 or 5% of your balance (whichever is greater)
Enjoy the security you need - with our free online guarantee and free Employee Misuse Insurance
Enjoy exclusive benefits and discounts with our Business Credit Card.
Features
- Interest free period - up to 45 days
- Monthly statement and online account management
- Cash withdrawals - in the UK and overseas
- Unrivalled Visa acceptance in 29 millions outlets worldwide
Business benefits and discounts
- Business discounts from recognised UK and global organisations
- Protection against online fraud with an online guarantee
- Employee Misuse insurance - up to £15,000 per cardholder, £1m per company
- Travel Accident Insurance - up to £50,000
- Identity Theft Protection up to £150,000 (optional)
- Commercial Card Protection 24hr assistance (optional)
The information contained in this table summarises key product features and is not intended to replace any Terms and Conditions.
| Purchase APR | Typical 23.3% APR (variable) |
| Interest rates | Purchases Balance transfers Cash Advances Cheques
Monthly Rate 1.408% 1.408% 2.075% 2.075%
Annual Rate 16.9% 16.9% 24.9% 24.9% |
| Interest-free period | Maximum 45 days for purchases if you pay your balance in full and on time, and have paid the previous month's balance in full and on time. No interest-free period on balance transfers, Cash Advances or cheques |
| Interest charging information | You will not pay interest on new purchases if you pay your balance in full and on time, and have paid the previous month's balance in full and on time. Otherwise, the period over which interest is charged will be as follows: Purchases Balance transfers Cash Advances Cheques
From Date debited to your account Date debited to your account Date debited to your account Date debited to your account
Until Paid in full Paid in full Paid in full Paid in full |
| Allocation of payments | If you do not pay off your balance in full, payments we receive will be applied to the lowest interest bearing transactions first (transactions may attract different interest rates):
For further details, please refer to your Business Card General Terms |
| Minimum repayment | 5% or £5, whichever is greater We do not recommend that you only ever make your minimum payment. |
| Credit Limit | Minimum credit limit £500 Maximum credit limit subject to status. |
| Fees | Annual Card Fee (for each card issued) normally £32 For further details, please refer to your Business Card General Terms |
| Charges | Cash Advance Handling Fee: 3%, minimum £3 Cheque Handling Fee: 2.5%, minimum £2 Transactions in foreign currencies (including purchase of foreign currency and travellers’ cheques): 2.95% Copies of statements: £1 per page Request to stop a cheque payment: £25 For further details, please refer to your Business Card Terms |
| Default charges | Over limit fee: £12 Late payment fee: £12 Returned payment fee: £12 |
Apply now
Call us on
0845 301 6263
Minicom
1800 201 733
Monday to Friday 8am - 6pm and Saturday 9am - 1pm.
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